Date Received: 2021-03-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I recently closed my Wyndham rewards card from Barclays. Following the closure of my account it turns out the bank reopened my account without my approval in order for Wyndham to bill be for an auto payment I had set up earlier when I was coerced into buying a timeshare. I had also requested to end the auto payment from being withdrawn from this account as well. I had closed the credit account at the end of 2020 and just received a new statement from this new unauthorized account on XX/XX/2020. Essentially Wyndham fraudulently opened a new account in my name in order to bill me for its services. This isnt a one off occasion, if you go online to timeshare user groups you can see that this is their policy with closed accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've sent a payment check to the company back at XXXX and they cleared it only this week, reporting late 120 on my credit report, closing my XXXX XXXX XXXXnd causing my damages to my credit and losing my mortgage!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXX XXXX XXXX/BrclybankofDE. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and XXXXr, they can not find the inquires and no one will answer at Barclay bank of DE. XXXX is sending me a letter with the information to call the company but I did not open any new accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020 i purchased an airline ticket and when I received my Booking information, i noticed the Agent had an error. I immediately contacted the merchant and informed them of the error they had made. I also contacted the credit card company I used to purchase the airline ticket. It took seven months before the merchant ( XXXX ) to pay back my credit card. During that time period the Credit Card company keep sending me payment statements for a error the merchant had made. I contacted the Credit Card company ( Barclays ) XXXX XXXX credit card explaining the merchant must refund the credit card back, and that I should not be responsible for the error of the merchant. It took seven months before the merchant paid the amount in full. I contacted Barclays XXXX XXXX and ask them to remove the Fees and Interest rates that occurred on my account, due to an error the merchant made. I the customer should not be reliable to pay for the mistake of the merchant ( XXXX ). I request the late interest and fees be waive from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We, meaning my wife and I had agreed to a plan for 3 months of payments to be suspending for hardship if we made a payment to Barclays credit card to bring it up to date which we did. And now they have turned it over to a collection agency even after many calls to remind them we had an agreement. We have had 4 XXXX in the past 3 years with our daughter and all the bills we have is from Dr. visits and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I would like to write a formal complaint on a credit reporting made by my XXXX XXXX rewards card. On 2019 I was on a financial hardship due to me not being able to work for a whole year due to a physical XXXX I had during that time and was away from my work on disability/ medical leave. On XX/XX/2019 and XXXX XXXX I received a late fee for non payment. I later made a payment to my credit card on XXXX XXXX because I was able to gather all the money because I wanted to pay the entire credit card balance in full. On XX/XX/2019, XXXX froze my account because they stated that my payment bounced back from my checking account. I called my checking account institution to see what happened and they stated that XXXX denied my payment and advised me that it could have been because maybe I was paying such a large balance XXXX {$13000.00} XXXX at once but told me that there was nothing wrong with my checking account and to try to schedule the payment again. So on XX/XX/2019, I called XXXX to get the account unfrozen then I scheduled a payment again with XXXX and this time it was successfully paid off. I called XXXX to see if they could remove the late fee I had for XXXX so it would not be past 30 days late payment so the representative was able to remove the late fee and I asked her if this would be reported on my credit report since she is removing the late fee for XXXX and she assured me that It would not be reported because my account was frozen so I could not make any payments until I contacted them. After that payment as well as another one I made to pay off the accumulated interest, the account was fully paid off and in {$0.00} balance ever since. I just recently checked my credit report a few months ago and I found out that the late payment for XX/XX/2019 was actually reported to all three credit bureaus despite them assuring me that it would not be reported. I have called XXXX several times to see if there is any way to correct this and they have told me that they can do nothing about this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX someone has fraudulently opened and acct under my name with Barclays Bank Delaware. I have reported this info to Barclays Bank, they have completed their investigation and assured me that this account will be closed and removed from all credit reporting agencies. I have also received a later from Barclays Bank dated on XX/XX/XXXX stating such : " Dear XXXX, This letter confirms that the fraud investigation has been completed on the above referenced Frontier Airlines account. After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud related information from your credit report. '' - End of first paragraph. As of today, XX/XX/XXXX this account is till on my account and I been on hold with Barclay Bank for over an hour after which the lady that picked up the phone hanged up on me. I'm very disappointed and would like your help in making a report in being a victim of fraud. I kindly thank you all in advance for all the help, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A